Delaware (DE) Business Insurance

Choose The Hartford for Your Delaware Business Insurance

The Diamond State is home to over 80,000 small businesses that make up more than 98% of the state’s companies.¹ To keep your Delaware company successful, you’ll want the right seguro de negocio cobertura.

See why others have trusted us for years and learn more about seguro para pequeñas empresas in Delaware. Reciba una cotización hoy mismo.

Types of Delaware Business Insurance Offered

Delaware Business Owner’s Policy

Un Póliza para propietarios de empresas (BOP) bundles important coverages together, like:

General liability insurance
Business income insurance
Commercial property insurance

This means your BOP can help you with claims of bodily injury or property damage.

You should look into getting a BOP if your Delaware business has:

A physical location like a store, home office or rented work space.
A risk of getting sued for a customer injury. For example, if a customer gets injured in your store.
Valuable property or information, like business equipment and customer files, that thieves can target.

Delaware Commercial Flood Insurance

Your business property insurance probably does not include coverage for flood damage. So, it may be smart to buy separate commercial flood insurance coverage for your business.

This insurance protects your location plus its physical contents and property, like your:

Walls
Floors
Ceiling
Accesorios
Muebles
Inventario

It’s important for small business owners to have this policy, because it can help if you:

Work in an area that’s more likely to experience water damage from heavy rainfall.
Run your business operations in an area that has snowy winters. Fast melting snow is one of the top causes of flood damage on commercial properties.

Commercial Auto Business Insurance DE

Commercial auto insurance helps cover auto accidents if you or your employees are at fault. So, if your employee rear ends another car while they’re driving for work, this coverage can help pay for the damages. It can also help pay for damaged property and medical bills resulting from an accident.

Delaware Commercial Umbrella Insurance

Commercial umbrella insurance extends the limits of some of your liability coverages. Without it, you could potentially face expenses like medical bills, legal fees and damages out of pocket if they exceed your underlying policy limits.

This insurance coverage can help protect your business from accidents like:

A customer slipping on the floor and injuring their leg. As a result, they file a claim to cover their medical costs which exceed your general liability coverage limit.
An advertising error that results in customers suing you for more than your business liability insurance limit.

Delaware Data Breach Insurance

Data breach insurance can help protect your business from the expenses of the loss or theft of personally identifiable information. For example, if a hacker steals your customers’ credit card numbers, this coverage can help pay for your legal fees if the victims sue you. Plus, data breach insurance can help cover:

Monitoring services to help protect the victims of data breaches
Public relations and crisis management services
Costs to notify impacted customers

In the event of a data breach, our professionals can help you take the right steps and guide you in responding quickly. They’ll make sure you meet the requirements of the applicable laws and regulations and help to restore the public’s confidence in your business.

Delaware Business Insurance Minimum Requirements

Almost all businesses in Delaware need to carry workers’ compensation insurance. In most cases, if you don’t have this coverage, employees who get sick or injured at work can sue your business. You can also face fines from the state Department of Labor.² To learn more about the minimum business insurance requirements, visit the Delaware Insurance Commissioner’s Office.

To learn more about the types of insurance your business needs, obtener una cotización hoy mismo.

¹Small Business Administration, “2019 Small Business Profile”